I have thoughts.

It doesn't help that our latest bot detector cannot show a difference between a human Reddit post and a SubredditSimulator post. the chatbots that control the stock market don't know that there are fundamentals that underly their trades. (1) they're bots, they don't "know" shit (2) that's not their training data. So we've got a probability fan between two extremes:

A. The market never crashes again because it no longer means anything economic. It means what the bots think it means.

B. As soon as enough factors go Minsky, the market will behave exactly like a 737-Max8 autopilot. After all, the Max8 Autopilot doesn't "know" it's attached to a plane full of aid workers. It only knows that when it sees variable X, it responds with control Y and if you keep it within the regime it knows, it performs flawlessly.

Cryptocurrency is not, in my opinion, a good investment. It's a good speculation. You shouldn't spend more than you can afford to lose because there are way too many x-factors controlling what's going to happen. That said, the impetus of cryptocurrency in the first place was removing money from the control of central banks; Bitcoin doesn't happen without Occupy Wall Street.

If your mortgage is young you get an outsized benefit from paying into it. When crypto was high I didn't do that because (A) I was slow (B) our financial planner treated me like shit (C) we're far enough along that it wouldn't have saved us that much money. But if you're just a few years into it? BOMB that fucker.